If it's tight or you're uncomfortable with the tenant you have in there from a confidence perspective, especially if this is a first deal, maybe meet in the middle and get a lender at 75% or 77% (doesn't HAVE to be at 5% increments) that wont make you season, and leave a bit more money in the deal, but sleep better.Overall, if I cash flow well, have/keep reserves, and am comfortable I fixed everything in the house, I like to max out the LTV on refi.

More questions, more authenticity, the more your confidence builds too.

Our son still managed to get into his second choice of university (I am confident he would have got into his first choice without the demon years because even with the demon years both his gpa and sat where above the average for those accepted to Stanford).  

Quote from @Dave Foster: @Howard Cheng, Qualified and non-qualified use only applies to the period of time you owned your replacement property (the converted property). 

@Abel Curielthis is so beyond and more than helpful. it's been a tough gig to start, but this really simplifies it and brings me confidence.

Using David Green’s Core 4 strategy (realtor, contractor, property manager, and lender) makes me confident to invest anywhere.

This minimizes risk and lets you build confidence as you gain more experience.

But I can't help but think that I could benefit from the occasional discussion about real estate strategies or bounce opportunities off one another.Coach Carson's RPM program details below:Cost: ~$2500/yearBenefits (form Website):Personalized Coaching: Members receive direct support and feedback from Coach Carson and selected coaches, including monthly group coaching sessions, one-on-one "hot seat" calls, and small group coaching within Action Teams.Action Teams: These are accountability groups of 8-10 members that meet weekly over a three-month period to set and achieve goals, fostering perseverance and resilience among participants.Comprehensive Resources: Members have access to a repository of documents, systems, checklists, and more in the community swipe file, including tenant screening criteria, due diligence checklists, and rental analysis spreadsheets.Exclusive Community: RPM offers a private community of like-minded investors who prioritize time and freedom over scaling rapidly, providing a supportive environment for shared learning and growth.The Group Targets:Investors with experience owning 1 to 8+ properties, whether short-term (e.g., Airbnb), mid-term, or long-term rentals.Individuals who are coachable, hardworking, and value time and freedom over aggressive scaling.

I think it takes time for certain people to become comfortable and confident in what they're doing before real performance will show.  

Apparently the water wasn't shut off at utility, and the HOA seemed confident we can turn the water on for an inspection, so it is only a matter of de-winterizing which my agent has now arranged on my behalf.